The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Switch it to an extended term policy - The insurance company uses any cash value that has built up in the policy to convert it to a term life insurance policy for the same death benefit. The policy term continues for as long as the cash value can cover premiums.